# Texas Homeowners Insurance Guide: Coverage, Costs, Quotes

> Texas homeowners insurance explained: HO-A, HO-B and HO-C forms, replacement cost vs ACV, wind/hail deductibles, why premiums rose and what a quote needs.

Source: https://krystelhuertainsurance.com/blog/home/texas-homeowners-insurance-guide

🏡 Texas homeowners insurance · 2026# Texas homeowners insurance, *explained line by line*

Start with your ZIP

Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central**5\.0★** 178 Google reviews (as of October 2026\)By the Krystel Huerta Insurance team · Reviewed by [** Krystel Huerta**](https://krystelhuertainsurance.com/meet-the-team), Licensed Texas Insurance Agent · TX Lic. \#1922044⏱ 13 min read📅 Updated October 2026📍 TexasClosing on a house or opening a renewal that went up again? Here's what a Texas home policy covers, where the gaps are, why premiums climbed and what a quote needs.

Quick answerA Texas homeowners policy pays to rebuild your house, replace your belongings, cover living costs after a covered loss and protect you if someone is hurt on your property. The form (**HO\-A, HO\-B or HO\-C**), ** replacement cost vs. actual cash value** and your ** wind/hail deductible** decide what it really pays.

Key takeaways* An HO\-B, similar to the national HO\-3, covers the house against any cause not excluded.
* Standard home policies don't cover flood, and foundation damage is usually an optional endorsement.
* The Texas Department of Insurance puts the statewide average premium at $3,489 for 2025 (preliminary) — an average, not a quote.
* A percentage wind/hail deductible is based on your dwelling limit, so it can dwarf your all\-perils deductible.

**Do this:** Find three things on your declarations page: the form, whether your roof is on replacement cost or ACV, and your wind/hail deductible. Unclear? Ask us for a free coverage review.

Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM CentralYour renewal came in higher again, there's a new line about your roof, and the wind/hail deductible is a percentage you've never calculated. Or you're under contract on a house and the lender wants proof of insurance before closing. Either way, the policy is hard to read.

In our experience reviewing Texas home policies, most surprises come from the form, how the roof is valued, the hail deductible and what's not covered at all. This guide takes them one at a time, with the Texas Department of Insurance as our source.

## What does a Texas homeowners insurance policy actually cover?

**The short answer:** A Texas home policy is really six coverages in one: the house, other structures, your belongings, extra living costs after a covered loss, personal liability and medical payments to guests.

Each part has its own limit; the [Texas Department of Insurance homeowners guide](https://www.tdi.texas.gov/pubs/consumer/cb025.Html) (updated June 2026\) walks through them.

🏠DwellingThe house and attached parts like the roof and garage. Set it to rebuild cost, not sale price.🧱Other structuresFences, sheds and detached garages, usually a share of the dwelling limit.🛋️Personal propertyFurniture, clothes, electronics and other belongings.🏨Loss of useExtra living costs while a covered loss makes your home unlivable.⚖️Personal liabilityInjuries or damage you're legally responsible for, plus your defense.🩹Medical paymentsSmall medical bills for a guest hurt on your property.Our team spends the most time on the dwelling limit. Market value includes land; rebuild cost is labor and materials. If construction costs rise and your limit doesn't, you're underinsured without changing a thing.

💡 Need more than the policy offers?TDI notes you can add riders for jewelry, art and electronics, and an umbrella policy for more liability protection. See our [home insurance page](https://krystelhuertainsurance.com/home-insurance-cedar-park-tx) for how we set up Texas home coverage.Reviewed by Krystel Huerta

Licensed Texas Insurance Agent · TX Lic. \#1922044

Krystel founded the agency to help Texas families actually understand their coverage. She reviews every guide on this blog for accuracy before it's published. [Meet the team](https://krystelhuertainsurance.com/meet-the-team)

## What's the difference between HO\-A, HO\-B and HO\-C policies in Texas?

**The short answer:** Texas uses its own policy names: HO\-A covers only listed perils, HO\-B covers the house against anything not excluded, and HO\-C extends that open\-peril protection to your belongings too.

Texas has its own form names, described in the [TDI overview of Texas homeowners policies](https://www.tdi.texas.gov/reports/documents/texas-homeowners-policies-04122018.pdf). What matters is **named perils** (only listed causes are covered) versus ** open perils** (everything unless excluded).

Texas homeowners policy forms at a glance
| Form | The house | Your belongings | Closest national form |
| --- | --- | --- | --- |
| **HO\-A** | Named perils only | Named perils only | Basic named\-perils form |
| **HO\-A\+** | Broader named perils | Broader named perils | Expanded named\-perils form |
| **HO\-B** | Open perils | Named perils | Similar to HO\-3 |
| **HO\-C** | Open perils | Open perils | Similar to HO\-5 |

An HO\-B is what most homeowners picture as a standard policy. An HO\-C can make sense when your belongings are worth a lot, because open\-peril coverage for contents is broader than a named list.

⚠️ Every form has exclusionsEven open\-peril forms commonly exclude flood, earthquake, pests, wear and tear, mold and continuous seepage, according to TDI. Broad isn't unlimited.## Should your Texas home policy pay replacement cost or actual cash value?

**The short answer:** Replacement cost pays what it takes to repair or replace with new materials; actual cash value subtracts depreciation, so an older roof or older belongings can pay out far less.

TDI says that “most mortgage companies will require that you have a replacement cost policy as a condition of your loan” ([TDI home insurance tips](https://tdi.texas.gov/tips/home-insurance.html), updated December 2025\). The Texas catch is the roof: TDI's [roof replacement guide](https://www.tdi.texas.gov/tips/replacing-your-roof.html) (updated April 2026\) notes some insurers switch roofs to actual cash value as they age, so check every renewal.

Replacement cost usually pays in two parts: ACV first, the rest after repairs. TDI's [replacement cost vs. actual cash value page](https://www.tdi.texas.gov/tips/home-insurance-policies-replacement-cost-or-actual-cash-value.html) uses this example: a $200,000 home, a 2% wind/hail deductible ($4,000\) and a $10,000 roof replacement.

TDI's roof example: what each settlement type pays on a $10,000 roof
| Roof age | Replacement cost pays | Actual cash value pays |
| --- | --- | --- |
| 5 years | $6,000 | $4,500 |
| 10 years | $6,000 | $3,000 |
| 20 years | $6,000 | $0 |

Same storm, same deductible, and ACV pays nothing on the older roof. For cosmetic damage and impact\-resistant roofing, see our guide to [hail and your Texas home](https://krystelhuertainsurance.com/blog/hail/hail-and-your-texas-home).

Not sure whether your roof is on an ACV schedule? [Start a free review](#mf2-zip) or call (512\) 691\-6400 and we'll read your declarations page with you.

## What doesn't a standard Texas home policy cover?

**The short answer:** Flood is the biggest gap — home policies don't cover it — followed by foundation damage (usually an optional endorsement), wear and tear, and water damage that builds up slowly.

TDI is blunt: “Home insurance policies don't cover flood damage.” Flood is a separate policy, required by lenders in flood zones, and according to [FEMA](https://www.fema.gov/print/txt/node/315192) an NFIP policy typically takes 30 days to become active.

Common Texas home coverage gaps and how much risk they leave you holding
| Gap | Risk | What it means for you |
| --- | --- | --- |
| No flood policy | High | No standard home form covers rising water. |
| Roof on actual cash value | High | Depreciation comes out, so an older roof can pay little or nothing. |
| No foundation endorsement | Medium | TDI notes foundation and slab damage is an optional endorsement. |
| Dwelling limit below rebuild cost | Medium | A total loss may not fully rebuild the house. |
| Slow leaks and wear and tear | Low | Commonly excluded; maintenance is the protection. |

Winter Storm Uri in February 2021 produced 511,473 claims, about 85% residential, and $10\.6 billion in case\-incurred losses ([TDI winter weather summary](https://www.tdi.texas.gov/reports/documents/feb2021-tx-winter-weather-summary-jun2022.pdf), June 2022\). TDI's [winter safety tips](https://tdi.texas.gov/tips/winter-safety.html) say burst pipes may be covered as sudden and accidental water damage, but a claim can be denied if the pipes weren't protected, such as by keeping the heat on.

🚨 Don't wait for the forecastBecause a flood policy usually takes 30 days to start, decide while the sky is clear. Near a creek or in a low spot? Ask us about flood coverage during your review.Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central## Why has homeowners insurance in Texas gotten so expensive?

**The short answer:** Statewide, the average Texas homeowners premium rose from $2,124 in 2021 to a preliminary $3,489 in 2025, according to TDI, which points to construction costs, severe weather and reinsurance as industry factors.

$3,489Average Texas homeowners premium in 2025 (preliminary) — a statewide average, not a quote[Texas Department of Insurance, Texas homeowners insurance market overview](https://www.tdi.texas.gov/general/texas-homeowners-insurance-market-overview.html) (accessed October 2026\), based on the Texas Statistical Plan for Residential Risks

Average Texas homeowners premium by year (TDI)
| Year | Statewide average premium | Average rate change |
| --- | --- | --- |
| 2021 | $2,124 | — |
| 2022 | $2,374 | — |
| 2023 | $2,795 | \+21\.1% |
| 2024 | $3,291 | \+18\.7% |
| 2025 (preliminary) | $3,489 | \+4\.3% |

These are statewide averages, not what you will pay, and they show increases slowing in 2025\.

What drives your number? TDI's page on [how home insurance costs are calculated](https://www.tdi.texas.gov/consumer/how-are-your-auto-and-homeowners-insurance-costs-calculated.html) (updated September 2026\) lists the home's age, the roof's age and material, where you live, the cost to replace the house, your claim history and your credit score. Industry\-wide, it points to repair\-cost inflation, freezes, hail, tornadoes and reinsurance. TDI doesn't set rates.

💡 Manage the cost without creating a gapTDI notes a higher deductible lowers the premium (pick one you could pay tomorrow), and discounts vary by company and may include a security alarm, a fire sprinkler system, other policies with the same company and no claims in three years, subject to terms, conditions and availability. See [lowering your car insurance premium without dropping coverage](https://krystelhuertainsurance.com/blog/auto/lower-car-insurance-premium-texas) and our [home and auto bundle page](https://krystelhuertainsurance.com/bundle-home-auto).## How do percentage wind and hail deductibles work in Texas?

**The short answer:** A percentage deductible is figured on your dwelling limit, not the claim, so a 2% wind/hail deductible on a $350,000 dwelling is $7,000 per claim.

TDI notes your wind/hail deductible may differ from the one for other perils. Many Texas policies set it as a percentage of dwelling coverage, while fire and theft use a flat amount.

Illustrative scenarioIllustrative example: one policy, two deductiblesA Texas home insured for $350,000 on the dwelling, with a $2,000 all\-perils deductible and a 2% wind/hail deductible. Round numbers for illustration only, not a quote.

| Dwelling coverage | $350,000 |
| --- | --- |
| Wind/hail deductible (2% of dwelling) | $7,000 |
| All\-perils deductible (flat) | $2,000 |
| Extra you'd pay out of pocket on a hail claim | $5,000 |

$6,000 of hail damage falls below the $7,000 deductible, so the policy pays nothing. The same $6,000 from a covered non\-weather loss would pay $4,000\.

Raising your dwelling limit also raises a percentage deductible. Texas law says a roofer can't waive, rebate or absorb your deductible, and the insurer may ask for proof you paid it ([TDI, Roofing and insurance: Know the law](https://www.tdi.texas.gov/CONSUMER/storms/roofing-and-insurance-know-the-law.html)). Our hail guide covers claims and contractor rules in depth.

## What are your rights if your Texas home policy is canceled or not renewed?

**The short answer:** For policies bought or renewed in 2024 or later, your insurer must give 60 days' notice before nonrenewing (10 days for a cancellation), and since January 2026 it must explain the reason in writing.

Per TDI's [canceled or not renewed page](https://www.tdi.texas.gov/tips/home-insurance-canceled-or-not-renewed.html) (updated January 2026\), nonrenewal notice is 60 days for policies bought or renewed in 2024 or later (30 days if 2023 or earlier); cancellation notice is 10 days. Grounds include three or more non\-weather claims in three years (warning after two), 60\+ days vacant or poor condition, but not a claim the policy didn't cover.

* **SB 213 (effective September 1, 2025\):** insurers can't require you to bundle home and auto. Bundling can still be a smart choice.
* **SB 458 (policies issued or renewed on or after January 1, 2026\):** home and auto policies must include an appraisal clause for disputes over the amount of a loss.
* **HB 2067 (effective January 1, 2026\):** you're entitled to a written explanation when an insurer declines, cancels or nonrenews your policy.

Those laws are summarized in [TDI Bulletin B\-0012\-25](https://www.tdi.texas.gov/bulletins/2025/B-0012-25.html). One more change is in progress: in a [September 29, 2026 news release](https://www.tdi.texas.gov/news/2026/tdi09292026.html), TDI proposed clarifying its rules so companies can't decline or nonrenew a policy based on the age of a house or its roof. Insurers could still weigh the home's current condition. As of October 2026, it's a proposal with no effective date.

🚨 Got a nonrenewal notice? Don't let coverage lapseDon't cancel a current policy until you have the new one or written proof of coverage, TDI advises. If you truly can't find coverage, the Texas FAIR Plan is a last resort with narrower coverage; our [Texas FAIR Plan guide](https://krystelhuertainsurance.com/blog/home/texas-fair-plan) explains it. Call us first at (512\) 691\-6400\. TDI's Help Line is 800\-252\-3439\.## What should you have ready for a Texas home insurance quote?

**The short answer:** Have the property details, your roof's age and material, your current declarations page, your claim history and your lender's requirements ready, and the quote goes quickly.

1. Gather the property basicsAddress, year built, square footage, foundation type and any major updates to wiring, plumbing or heating and air.
2. Know your roofThe year it was installed and the material, both rating factors TDI lists.
3. Find your current declarations pageIt shows your form, limits, deductibles and whether the roof is on replacement cost or ACV.
4. List past claims honestlyInsurers check claim history, so an accurate list avoids a price change later.
5. Note what your lender requiresYour mortgage company's coverage requirements and whether the home is in a flood zone.
6. Ask for a coverage review, not just a priceWe'll walk through limits, roof settlement and deductibles with you. Start with the form on this page, use our [guided quote](https://krystelhuertainsurance.com/quote), or call (512\) 691\-6400\.

💡 Buying a home? Start earlyAsk about home insurance as soon as you're under contract, so the roof, deductibles and any flood coverage are sorted before closing.## The Bottom Line

**The short answer:** A Texas homeowners policy pays to rebuild your house, replace your belongings, cover living costs after a covered loss and protect you if someone is hurt on your property. The form (** HO\-A, HO\-B or HO\-C**), ** replacement cost vs. actual cash value** and your ** wind/hail deductible** decide what it really pays.

A Texas home policy can look complete on page one and still leave you short: a roof on actual cash value, a percentage deductible you didn't expect, a dwelling limit behind rebuild costs, or no flood policy. With premiums up sharply since 2023, what you pay for should actually fit your house.

If you'd like a second set of eyes on your policy, our licensed Texas team will review it with you for free, in English or Spanish, by phone, text or email. Start with your ZIP below, or see our [home insurance page](https://krystelhuertainsurance.com/home-insurance-cedar-park-tx).

Free coverage reviewGet your free Texas quoteTakes 30 seconds. No spam, and your information is never sold.Enter your ZIP codePlease enter a valid 5\-digit ZIP code.Almost doneWhere should we send it?A licensed Texas agent reviews every request personally.AutoHomeHome \+ Auto bundleRentersMotorcycleBoatLifeBy clicking **"Send my free quote,"** I agree, by electronic signature, that Krystel Huerta Allstate Insurance Agency, a licensed insurance agency, and its staff and service providers calling on its behalf, may contact me at the phone number and email I provided about my insurance quote and related insurance products and services, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, even if my number is on the National Do Not Call Registry. This is my prior express written consent. My information is never sold or shared with other agencies. Consent is not a condition of purchase — I can call (512\) 691\-6400 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help; I may also revoke consent by any reasonable means, and it will be honored within 10 business days. I agree to the [Privacy Policy](https://krystelhuertainsurance.com/privacy) and [Terms of Use](https://krystelhuertainsurance.com/terms), including the [arbitration clause](https://krystelhuertainsurance.com/terms#arbitration) and [E\-SIGN consent](https://krystelhuertainsurance.com/terms#esign).

Please complete all fields with a valid phone and email.✓You're all setA licensed agent from our team will reach out during business hours with your free coverage review.Don't want to wait?[Call or text · (512\) 861\-8457](tel:+15128618457)Mon–Fri 9:00 AM–5:00 PM Central## Frequently asked questions

Does my mortgage company require a certain kind of home insurance in Texas?Usually, yes. The Texas Department of Insurance says most mortgage companies require a replacement cost policy as a condition of the loan. Lenders also require flood insurance when the home is in a flood zone. Your lender will want proof of coverage before closing, so start the home insurance conversation as soon as you're under contract, with the address, year built, roof age and the lender's written requirements handy. If those requirements and the policy don't line up, closing can be delayed, which is why we review both together with home buyers.Does Texas homeowners insurance cover foundation problems?Often not on its own. The Texas Department of Insurance notes that foundation and slab damage is an optional endorsement, so many standard policies don't cover it unless you add it. Home policies are generally built around sudden, accidental losses rather than gradual ones, so if you have the endorsement, read exactly what it covers and what it excludes. Check your declarations page or policy for a foundation endorsement, and read what it covers and what it doesn't. If you don't see one, ask about it during your next coverage review.Does homeowners insurance cover flooding in Texas?No. The Texas Department of Insurance states that home insurance policies don't cover flood damage, whether the policy is an HO\-A, HO\-B or HO\-C. Flood coverage is a separate policy, and lenders require it when a home is in a flood zone. According to FEMA, a National Flood Insurance Program policy typically takes 30 days to become active, so it can't be bought the day a storm is forecast. A burst pipe is different: it may be covered under your home policy as sudden and accidental water damage. Near a creek or a low spot? Ask about flood coverage now.How long does my insurance company have to handle a home claim in Texas?Texas Insurance Code chapter 542 sets the clock. Your insurer must acknowledge the claim within 15 days, then accept or deny it within 15 business days after receiving everything it asked for, though it can take up to 45 more days if it tells you why. Once it agrees to pay, it has 5 business days to pay. After a declared weather catastrophe, the insurer gets an extra 15 days. Many policies also give you one year to file, so check yours. If a claim stalls, TDI's Help Line is 800\-252\-3439\.Can my insurer drop me just because my roof is old?That rule is changing, so check the date. In a September 29, 2026 news release, the Texas Department of Insurance said it is proposing to clarify its rules so companies can't decline or nonrenew a policy based on the age of a house or its roof. Insurers could still consider the home's current condition, and as of October 2026 no effective date has been announced. Either way, an insurer must give 60 days' notice before nonrenewing a policy bought or renewed in 2024 or later, and since January 2026, HB 2067 requires a written explanation. If you get a notice, call us before your coverage ends.## Related questions

### What does HO\-B mean on a Texas home policy?

HO\-B is a Texas policy form, similar to the national HO\-3\. It covers your house against any cause of damage the policy doesn't exclude, and your belongings against named perils. Exclusions like flood, earthquake, mold and wear and tear still apply.### Are burst pipes covered by homeowners insurance in Texas?

They may be. TDI says burst pipes may be covered as sudden and accidental water damage, but a claim can be denied if the pipes weren't protected, such as by keeping the heat on during a freeze. Flood insurance doesn't cover burst pipes, so freeze prep matters.### Can a roofer pay my insurance deductible in Texas?

No. Texas law says a contractor can't waive, rebate or absorb your deductible, and you're required to pay it. Your insurer may ask for proof you did. Contracts of $1,000 or more paid from a claim must include a deductible notice, according to TDI.### Does a higher deductible lower my homeowners insurance premium?

Generally, yes. TDI says the higher your deductible, the lower your premium. The trade\-off is more out of pocket on every claim, and a percentage wind/hail deductible grows with your dwelling limit. Choose one you could pay tomorrow from savings, not a credit card.### What is an appraisal clause on a Texas home policy?

An appraisal clause gives you and your insurer a way to settle a disagreement over the amount of a loss, not whether it's covered. Under SB 458, Texas home and auto policies issued or renewed on or after January 1, 2026 must include one, according to TDI Bulletin B\-0012\-25\.## Sources

1. [Texas Department of Insurance — Texas homeowners insurance market overview](https://www.tdi.texas.gov/general/texas-homeowners-insurance-market-overview.html) (accessed October 2026\)
2. [TDI — How are your auto and homeowners insurance costs calculated?](https://www.tdi.texas.gov/consumer/how-are-your-auto-and-homeowners-insurance-costs-calculated.html) (updated September 2026\)
3. [TDI — Home insurance tips](https://tdi.texas.gov/tips/home-insurance.html) (updated December 2025\)
4. [TDI — Texas Homeowners Policies (HO\-A, HO\-B, HO\-C overview)](https://www.tdi.texas.gov/reports/documents/texas-homeowners-policies-04122018.pdf)
5. [TDI — Homeowners insurance guide (cb025\)](https://www.tdi.texas.gov/pubs/consumer/cb025.Html) (updated June 2026\)
6. [TDI — Home insurance canceled or not renewed](https://www.tdi.texas.gov/tips/home-insurance-canceled-or-not-renewed.html) (updated January 2026\)
7. [TDI news release — roof and home age rule clarification (proposal)](https://www.tdi.texas.gov/news/2026/tdi09292026.html) (September 29, 2026\)
8. [TDI Commissioner's Bulletin B\-0012\-25 — SB 213, SB 458, HB 2067, SB 1644](https://www.tdi.texas.gov/bulletins/2025/B-0012-25.html)
9. [TDI — Home insurance policies: replacement cost or actual cash value](https://www.tdi.texas.gov/tips/home-insurance-policies-replacement-cost-or-actual-cash-value.html) (updated January 2024\)
10. [TDI — Replacing your roof](https://www.tdi.texas.gov/tips/replacing-your-roof.html) (updated April 2026\)
11. [TDI — Roofing and insurance: Know the law](https://www.tdi.texas.gov/CONSUMER/storms/roofing-and-insurance-know-the-law.html) (updated March 2025\)
12. [TDI — February 2021 Texas winter weather data summary](https://www.tdi.texas.gov/reports/documents/feb2021-tx-winter-weather-summary-jun2022.pdf) (June 2022\)
13. [TDI — Winter safety tips](https://tdi.texas.gov/tips/winter-safety.html)
14. [Texas Insurance Code ch. 542 — prompt payment of claims](https://statutes.capitol.texas.gov/Docs/IN/htm/IN.542.htm)
15. [FEMA — National Flood Insurance Program waiting period](https://www.fema.gov/print/txt/node/315192)
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Prefer to call? **(512\) 691\-6400**[📞 Call](tel:+15126916400)[Free quote →](https://krystelhuertainsurance.com/quote)

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**Krystel Huerta Allstate Insurance Agency** · Virtual agency (no walk-in office), Austin, TX — serving all of Texas · (512) 691-6400 · Mon–Fri 9:00 AM–5:00 PM Central
Request a quote: https://krystelhuertainsurance.com/quote-request (plain HTML form) or https://krystelhuertainsurance.com/quote (guided).